Settlement Amount:
$2,400,000 fund; approximately $500 per person (estimated)
Claim Deadline:
September 29, 2026
Proof Required:
Claim Number and PIN from your mailed notice (no receipts or documentation needed)
Official Settlement Website:
📄 Full claim guide: Read the complete Xactus and Credit Plus FCRA settlement breakdown on OpenClassActions.com for eligibility details, payout tiers, and step-by-step filing instructions.
What Is the Case About?
Cinner v. Xactus, LLC alleges that credit reports produced by Credit Plus violated the Fair Credit Reporting Act (FCRA) by showing charged-off accounts with non-zero balances even when two of the three credit bureaus reported that same account with a zero balance. The $2,400,000 settlement resolves those claims. Xactus and Credit Plus have denied and continue to deny the allegations.
Who Qualifies?
You may qualify if you are a U.S. resident who received a merged infile report from Credit Plus showing a charged-off account with a non-zero balance between November 16, 2021 and the preliminary approval date, where two of the three bureaus reported that account with a zero balance. About 28,416 class members were identified.
How Much Can You Get?
The settlement fund is $2,400,000, and payments are estimated at approximately $500 per person. The final amount depends on how many class members file valid claims.
How to File
File online at CinnerFCRAClassAction.com using the Claim Number and PIN printed on your mailed notice; no receipts or documentation are needed. The claim deadline is September 29, 2026.
Key Deadlines
- Opt-out / exclusion deadline: September 29, 2026
- Objection deadline: September 29, 2026
- Claim deadline: September 29, 2026
- Final approval hearing: November 5, 2026 at 10:00 a.m. (Courtroom 15-B, Philadelphia)
Case Details
| Case Name | Cinner v. Xactus, LLC |
| Case Number | 2:23-cv-04531-JMY |
| Court | U.S. District Court, Eastern District of Pennsylvania |
| Settlement Amount | $2,400,000 |
File / Check Official Settlement Site
→ See the full Xactus and Credit Plus FCRA settlement details on OpenClassActions.com
By Felix Levine. OpenClassActions.org is a consumer news and information site and is not a class action administrator, class counsel, or a law firm. This page summarizes a public class action settlement and is general information, not legal advice. Deadlines and payment timing may change — always verify details at the official settlement website before filing. Class action claim forms are submitted under penalty of perjury; submit only truthful information.